Ayan x Vertu — halal car finance

Halal by structure, not by label

Open to anyone to apply

UK's only FCA-authorised dedicated halal car finance lender
AAOIFI-audited Shariah governance
Instead of charging interest, we buy the car and you pay an agreed monthly rent until ownership transfers to you

Your car comes from Vertu

Vertu is one of the UK's leading automotive retailers, representing more than 30 of the world's most popular manufacturers through a nationwide network of dealerships. Whether you're looking for a new or used car, electric vehicle, or aftersales support, our focus is simple — giving you a great experience through trust, transparency, and value.

From our 200+ dealerships, and online, we help thousands of customers find the right vehicle and finance solution to suit their individual needs. From the reassurance of well-established brands like Toyota, BMW or Audi, to expert guidance on exciting electric manufacturers including BYD, Jaecoo and Geely, our award-winning colleagues are on hand to find the car that's right for your needs, lifestyle and budget

New, used and electric vehicles from more than 30 manufacturers
Over 200 Vertu dealerships across the UK, plus online
Bring your current car in and put its value towards your new one

Find your perfect car

Explore more cars

7 328 cars for you

How it works

Ready to see what you qualify for?

No interest is paid: you pay an agreed rental-profit charge. For easy comparison, we also show an APR-equivalent (annualised total charges). Rates from 7.9% APR-equivalent. Representative 11.9% APR-equivalent. Subject to status and eligibility.

Apply now

How the finance is structured

Ijara wa Iqtina — lease with transfer of ownership. There is no interest at any stage of the agreement.

STAGE 1
Ayan buys the vehicle
We purchase the car you have chosen from Vertu stock and own it outright
STAGE 2
You pay monthly rent
An agreed fixed monthly amount for the use of the vehicle. Nothing is charged for the passage of time.
STAGE 3
Ownership transfers to you
At the end of the term the vehicle becomes yours. The car is the asset, not the debt.

Because the agreement is a rental with transfer of ownership rather than a loan, no interest is charged at any stage. Your vehicle may be repossessed if you do not keep up repayments under your Ijara agreement

What customers say

Excellent 4.7 out of 5

The company makes everything very easy…
The company makes everything very easy from a communication point of view, and that makes the whole process less stressful and complicated. Open 7 days a week, which is very convenient. Very professional and helpful individuals. Would 100% recommend!
David Narrator, 4 days ago
The company makes everything very easy…
The company makes everything very easy from a communication point of view, and that makes the whole process less stressful and complicated. Open 7 days a week, which is very convenient. Very professional and helpful individuals. Would 100% recommend!
David Narrator, 4 days ago
The company makes everything very easy…
The company makes everything very easy from a communication point of view, and that makes the whole process less stressful and complicated. Open 7 days a week, which is very convenient. Very professional and helpful individuals. Would 100% recommend!
David Narrator, 4 days ago